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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $137,014 | $115,810+18.3% | $101,271+35.3% | $158,966-13.8% |
| Participation rate | 60.0% | 79.4%-19.4pp | 75.8%-15.8pp | 82.0%-22.0pp |
| Annual return | 16.21% | 56.15%-39.9pp | 46.48%-30.3pp | 302.95%-286.7pp |
| Employer contribution / active EE | $3,260 | $4,175-21.9% | $3,660-10.9% | $4,762-31.5% |
| Participant deferral / active EE | $1,557 | $4,958-68.6% | $4,371-64.4% | $5,983-74.0% |
| Admin fee / account holder | $4,442 | $7,248-38.7% | $5,948-25.3% | $11,250-60.5% |